# PEOPLES BANK
CHATHAM, LA · FDIC certificate 9328 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $86.1M | |
| Deposits | $72.4M | |
| Loans and leases | $69.0M | |
| Total equity | $13.2M | |
| Loans / deposits | 94.00% (p86 of band) | 73.59% |
| Liquid assets / assets | 12.56% (p7 of band) | |
| Uninsured deposits / deposits | 15.57% (p34 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.66% (p49 of band) | 11.76% |
| Unrealized securities loss / equity | -0.05% (p91 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.74% (p78 of band) | 1.17% |
| Net interest margin | 4.97% (p89 of band) | 3.93% |
| Efficiency ratio | 58.84% (p32 of band) | |
| Noncurrent loans | 1.32% (p77 of band) | 0.36% |
| Net charge-offs (annualized) | -0.16% (p1 of band) | |
| Reserve coverage of noncurrent | 113.28% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 58.55% (p83 of band) | |
| Auto loans | $436,000 (0.63% of loans; DQ 0.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.8% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 | capital falling | uninsured deposits leaving |
| 2013-03 | 0 |  | reserve under noncurrent, capital falling |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 | capital falling | reserve under noncurrent |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 5 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2014-09 | 4 | brokered >10%, wholesale funding >15% | reserve under noncurrent, loans exceed deposits, liquid assets <10% |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 | uninsured deposits leaving | construction >100% equity |
| 2015-06 | 5 | reserve under noncurrent, construction >100% equity | uninsured deposits leaving |
| 2015-09 | 5 |  |  |
| 2015-12 | 3 |  | wholesale funding >15%, reserve under noncurrent |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 3 | reserve under noncurrent |  |
| 2016-09 | 3 | capital falling | reserve under noncurrent |
| 2016-12 | 4 | reserve under noncurrent |  |
| 2017-03 | 5 | liquid assets <10% |  |
| 2017-06 | 4 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2017-09 | 4 | wholesale funding >15%, reserve under noncurrent | liquid assets <10%, charge-offs p90 |
| 2017-12 | 5 | liquid assets <10%, capital falling | reserve under noncurrent |
| 2018-03 | 5 | reserve under noncurrent | capital falling |
| 2018-06 | 5 |  |  |
| 2018-09 | 4 |  | reserve under noncurrent |
| 2018-12 | 6 | capital falling, reserve under noncurrent |  |
| 2019-03 | 7 | charge-offs p90 |  |
| 2019-06 | 5 |  | liquid assets <10%, capital falling |
| 2019-09 | 6 | noncurrent p90 |  |
| 2019-12 | 5 |  | charge-offs p90 |
| 2020-03 | 5 | deposits shrinking | construction >100% equity |
| 2020-06 | 6 | charge-offs p90, assets shrinking | noncurrent p90 |
| 2020-09 | 2 |  | wholesale funding >15%, reserve under noncurrent, deposits shrinking, assets shrinking |
| 2020-12 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking | brokered >10% |
| 2021-03 | 1 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | deposits shrinking, assets shrinking |  |
| 2021-12 | 2 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | capital falling |  |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 5 | losing money, charge-offs p90, uninsured deposits leaving |  |
| 2024-03 | 6 | capital falling, expense ratio p90 | charge-offs p90 |
| 2024-06 | 5 |  | capital falling |
| 2024-09 | 4 |  | expense ratio p90 |
| 2024-12 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2025-03 | 2 |  | losing money, charge-offs p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | noncurrent p90 |
| 2025-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2026-03 | 3 | reserve under noncurrent, deposits shrinking |  |
| 2026-06 | 1 |  | charge-offs p90, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-26 [Chance encounter leads to successful banking career for new Peoples Bank president - Southern Arkansas University](https://news.google.com/rss/articles/CBMitwFBVV95cUxOQ3RobEV3S004YlNSNkpGMkdCUXM2bFhLdHRzWlZQenRUbzNqUUNCU2tsTzZFdmRMc29KT3NHdllkMUhwWkUwZjJVcFg2clZPTFZjMm15Y3RoclZDcHZoZkVmMm9nUTdmOUR5dERiWmllNnRoNEFmVmFvbGF3UkJMT3B6T1ZpOEJjVnNDSWxaNkwzalZMRk96bF9WakJMSFo1LXY5TUh6YmtuRDdxRXZiQ0hfbDI4djQ?oc=5) · Southern Arkansas University
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-23 [Peoples Bank Announces Promotion of Carolyn Bell - eextra.news](https://news.google.com/rss/articles/CBMijwFBVV95cUxQWDR2b3BlcVlfZFJDbUFEMTdKV01zMW9oTG5wNmM2Wkd3VzdxN09MX2NzcmRQUm5vUnJDUFpmeGw2ZW1kYVJMMENvMDc5c2JCUVpYb1lNaWt6S2h6c1g0bUFERlNtYU56MHJnVUh1MnJ0SVhhSW8xN0xHaUVxbFRPZHhtTjVQeUtOX3lha3hBcw?oc=5) · eextra.news
- 2026-06-05 [Bullard was baptized on check day 69 years ago at Peoples Bank - WLAF](https://news.google.com/rss/articles/CBMijAFBVV95cUxON3QzaHR5cmpjN2s1UkttMXU3WkJYQTRoR1Q3aUNfMXlrdnJJX0FTS1p5QVlQMnQyME8tdWZNVjJlVHp1ajEtQ0M0cWo3UklLNzdDY055Y0FJUjlUcWRPVDBIcXIxdzR2U3RLZXVBcGNrMXJlMVFFZ3k3ZjlCY3Ywd1dyYzJKZGJyME5QLQ?oc=5) · WLAF
- 2026-04-21 [Louisiana bank buys site for flagship Baton Rouge location in $2.1 million deal - The Advocate](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQeW85bmpFYU41eUkxN1ZEd2VESmhMQWpFREMwNF96SW95SDdXN1RfVnJrQkZTRURJTmtHcTRqUGY5cW5FZXBYU1NkcERLYXFrNEtqQThlaFVDeXFEYmNOQ1Q0WDdEUE1mTmx3Ykg0b3ZGZjF1TGppYkNpb3VpTU8wU28xRFgxTTlmYl93SE1pWDVXZ20tN3BsRnJBb3ZuVF9mMmlTanE2QVVmV2pnUmU3R2s5OFRKWDdjYXBxR1lPdHFkODBON2xlS1RZcUVFMVdwTnMtS1paMVZ0dmRIM1ZXY0g3b2MtY3BaNkJSTmVoWHdadw?oc=5) · The Advocate
- 2025-11-07 [Revisiting central bank independence for the climate era: insights from the People’s Bank of China - The London School of Economics and Political Science](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQMDR0U2xaZXZNNTVyaEVpMjdqYzNmUkxPWUhuTElpaFU5azJCNi1DVWVYX2RiUG1UZzl4dWNzMFotWHNDd1dfbHVzeUxkaW5CWHV2T09XTTdMZ2ZOanYxYkNhQ1J1UTBpQ2hvS3hVY2l5RVE0X29pbUYxVGJLbGZYV2hSQlkzaUFqYnQydjZWU0tMVjdpNFc1WnBIRVJuZmhXdEFsMkxjN0M1QWUxYk9VNUh6RklQZTNjZTlBQTFNNnA5aWtSN25WUEVKTnZhUVV1YVFxT1dLSWxHTklFZWsyYUptWQ?oc=5) · The London School of Economics and Political Science
- 2026-05-22 [Peoples Bank of the South hosts Chamber Coffee Connection - WLAF](https://news.google.com/rss/articles/CBMihgFBVV95cUxPa1QxNFUybkRpREVEb1VsZ2s3U3lDVElTVmRjRkVONWJJa1R5dFJqbjRLU29rVTZ2OVNvcVEwbUxCN2M3MjVOTkhCSEV4QzBRYVEyWDRBYXRfOXA3NnluS0pBVktNT3J2RXNPUlQ5cmk4RFlwUVZLSFJqZnMxeUJObmtnVDFGdw?oc=5) · WLAF
- 2026-01-30 [Gary Stephen DeBlieux September 1, 1950 — January 26, 2026 - Natchitoches Times](https://news.google.com/rss/articles/CBMioAFBVV95cUxPQTgxQjRleDZRRUNhamRCWFJzMnZMcmRnYjhXYkdIRUs1Q1ZQYUtsd2stR0NSSTc1WC1jN1BjRkpFbnRHamp3bzVCbjRLcFRORDdIN09HcThFVTNlNnhmN21Gd29jZ2R1ZGhkRlNWaTBsMEhteUo5el9XZ0dMVlQxa2x1QU9mM0d5N3N6N25jSmdNd1hwdUxGTnhBWlp1dzNV?oc=5) · Natchitoches Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9328 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "9328", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide